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If she is on Medicaid, she is able to continue to own her home as an exempt asset. If only her on Deed she is 100% owner no matter what others may want to desire it to be. But upon her death, house goes from exempt asset to become an asset of her estate and subject to whatever MERP Medicaid estate recovery actions done in DC.
I foresee all sorts of other issues.... there’s no will! so thats a big problem in & of itself as when they die “intestate” most states have it such that all assets escheat to the state and you & rest of family need to establish lineal heirship with whatever process required by lineal (like notifications in newspapers wherever she or former spouses lived). But meanwhile property in states control and property can have a claim or lien placed onto property to resolve $ paid by Medicaid on her NH stay. Intestate puts state in control.
If she not cognitive & competent to do a will now, big problems ahead.
Adding names onto property basically is gifting an asset.
Not allowed by Medicaid. Say house worth 300k and she gives 1/3 to her two kids. That’s a 200k asset gift which causes a 200k transfer penalty from Medicaid. She won’t be eligible for Medicaid anymore. So family will need to pay for NH for however long penalty period is. You able to pay this?
Medicaid requires elders to have their monthly income as the copay or SOC (share of cost) to the NH each mo. So who in family will be paying all the house costs from now till beyond her death? Taxes, insurance, maintenance, etc. will need to be paid by someone other than mom in the NH.
MERP will need to be dealt with eventually. Is it likely that heirs will have exemptions or exclusions to Estate recovery and can provide documentation if needed. There’s no will so you can’t open traditional probate to deal with claims against estate.
Really you need an atty & asap.
If so that a slightly different situation. Still an issue for Medicaid eligibility.
Could you post the backstory on house?